Old Second Bancorp, Inc. (FRA:OSB)

Old Second Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	305.9	253.41	244.28	176.51	90.78
Interest Income on Investments	49.28	44.49	47.69	39.96	14.39
Total Interest Income	355.18	297.9	291.97	216.47	105.17
Interest Paid on Deposits	56.37	38.01	15.4	3.35	2.47
Interest Paid on Borrowings	5.85	18.26	24.64	6.97	5.98
Total Interest Expense	62.22	56.27	40.04	10.32	8.45
Net Interest Income	292.96	241.64	251.93	206.16	96.72
Net Interest Income Growth (YoY)	21.24%	-4.09%	22.20%	113.16%	5.41%
Trust Income	13.24	11.43	9.8	9.89	9.41
Mortgage Banking Activities	0.37	0.29	0.26	0.33	1.04
Gain (Loss) on Sale of Investments	0.01	-	-4.15	-0.94	0.23
Other Non-Interest Income	18.74	19.17	16.97	22.26	13.87
Total Non-Interest Income	45.93	42.91	34.18	43.12	39.26
Non-Interest Income Growth (YoY)	7.03%	25.56%	-20.73%	9.82%	4.89%
Revenues Before Loan Losses	338.9	284.55	286.11	249.27	135.98
Provision for Loan Losses	27.55	12.75	16.5	6.55	4.33
Revenue	311.34	271.8	269.61	242.72	131.65
Revenue Growth (YoY)	14.55%	0.81%	11.08%	84.37%	10.85%
Salaries and Employee Benefits	124.66	94.11	84.96	83.61	56.26
Occupancy Expenses	19.05	12.56	11.49	12.7	8.18
Federal Deposit Insurance	2.84	2.54	2.71	2.4	0.98
Amortization of Goodwill & Intangibles	4.55	2.44	2.46	2.63	0.64
Selling, General & Administrative	20.84	22.05	17.89	24.94	17.38
Other Non-Interest Expense	29.96	23.82	25.29	24.77	16.39
Total Non-Interest Expense	204.02	159.75	145.2	151.17	99.97
EBT Excluding Unusual Items	107.32	112.05	124.41	91.55	31.68
Pretax Income	107.75	112.96	124.41	91.55	27.87
Income Tax Expense	27.44	27.69	32.68	24.14	7.82
Net Income	80.31	85.26	91.73	67.41	20.04
Net Income to Common	80.31	85.26	91.73	67.41	20.04
Net Income Growth	-5.81%	-7.05%	36.09%	236.28%	-27.96%
Basic Shares Outstanding	49	45	45	45	30
Diluted Shares Outstanding	50	46	45	45	31
Shares Change (YoY)	8.83%	0.54%	0.40%	47.09%	1.87%
EPS (Basic)	1.64	1.90	2.05	1.51	0.66
EPS (Diluted)	1.62	1.87	2.02	1.49	0.65
EPS Growth	-13.37%	-7.43%	35.57%	129.23%	-29.35%
Dividend Per Share	0.250	0.210	0.200	0.200	0.160
Dividend Growth	19.05%	5.00%	-	25.00%	300.00%
Effective Tax Rate	25.47%	24.52%	26.27%	26.37%	28.07%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.